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Re: POLL: My home is worth less/more in 2014 than in 2007?

Not surprisingly, many folks are prepping their home for sale and cashing in while they can. Perhaps, the bubble has finally arrived here? I don't understand what this means. How do "many folks" cash in besides maybe retiring or downsizing? I am assuming most of these people need to buy s...
by Cosmo
Sun Jul 27, 2014 7:42 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 36
Views: 1387

Re: POLL: My home is worth less/more in 2014 than in 2007?

Not surprisingly, many folks are prepping their home for sale and cashing in while they can. Perhaps, the bubble has finally arrived here? I don't understand what this means. How do "many folks" cash in besides maybe retiring or downsizing? I am assuming most of these people need to buy s...
by Cosmo
Sun Jul 27, 2014 5:55 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: My home is worth less/more in 2014 than in 2007?
Replies: 36
Views: 1387

Re: Using Emergency Fund to Pay off Auto Loan

epictetus wrote:i vote with keep the cash. don't pay off the loan.


Agree.
by Cosmo
Tue Jul 15, 2014 7:17 pm
 
Forum: Personal Finance (Not Investing)
Topic: Using Emergency Fund to Pay off Auto Loan
Replies: 20
Views: 1562

Re: Real Estate Advice

I am new to investing in real estate but I found a nice 3 bd 2 ba house in a high class area. It is selling for about 94K. I believe I could rent it out for about 1500 a month. I have 20K to put down and about another 20K for in case things go wrong money. I make about 5600 a month, which goes up t...
by Cosmo
Tue Jul 15, 2014 7:09 pm
 
Forum: Personal Finance (Not Investing)
Topic: Real Estate Advice
Replies: 26
Views: 2534

Re: But why not 100% stock index fund?

Dutch wrote:Ok I'm calling the top of the market


+1
by Cosmo
Sun Jul 13, 2014 7:38 pm
 
Forum: Investing - Theory, News & General
Topic: But why not 100% stock index fund?
Replies: 76
Views: 7055

Re: New 401(k) options

rdlaner , if you want an AA of 80% stocks, 20% bonds, with 10% of stocks in international (low) that breaks down to 72% US stocks, 8% international stocks, and 20% bonds. If the 401k is your only retirement asset (no IRAs), then you could have the following: 401k -- 100% 57% ( VFIAX ) Vanguard 500 ...
by Cosmo
Mon Jun 30, 2014 9:25 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 506

Re: New 401(k) options

Use these two together in proportion (see the Wiki): Vanguard 500 Index Admiral (VFIAX) (0.05%) Vanguard Extended Market Index Admiral (VEXAX) (0.10%) I agree 100% here. And further to that, I would KEEP IT SIMPLE by synthesizing Taylor's three fund portfolio here: http://www.bogleheads.org/wiki/Th...
by Cosmo
Mon Jun 30, 2014 6:42 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 506

Re: New 401(k) options

Are ALL those old funds going away? If so, I think you 401(k) provider is making it unnecessarily more complicated by getting rid of the Vanguard Total Stock Market Index and replacing it with slice n dice type options.

Cosmo
by Cosmo
Mon Jun 30, 2014 6:22 pm
 
Forum: Investing - Help with Personal Investments
Topic: New 401(k) options
Replies: 11
Views: 506

Re: where is nisiprius?

I don't know why this is so hard for some people. I was about to say "let me google that for you", but instead I will say "let me search user's posts for you." sscritic, I am looking for the lyrics of that old song, "Go you Chicken Fat, Go", you know the song they woul...
by Cosmo
Sat Jun 28, 2014 5:15 pm
 
Forum: Local Chapters and Bogleheads Community
Topic: where is nisiprius?
Replies: 26
Views: 3530

Re: Mortgage: Variable 7 vs Fixed 30.

Is this a trick question? The ARM is better. Not a trick question and the answer is not as straight forward as you seem to think it is. The OP did not make any indication if they were going to prepay or not. grabiner wrote: And the bank is presumably indifferent between the two for similar reasons....
by Cosmo
Sat Jun 28, 2014 5:03 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mortgage: Variable 7 vs Fixed 30.
Replies: 47
Views: 3392

Re: Low Exp. Ratio 0.0018% - Am I missing something

25% is way too much, 5% tops! Your wife is far too exposed to one stock. To make it worse, it happens to be the same company she works for. Take it from a former Enron employee, 25% is too much!

Cosmo
by Cosmo
Thu Jun 26, 2014 6:27 pm
 
Forum: Investing - Help with Personal Investments
Topic: Low Exp. Ratio 0.0018% - Am I missing something
Replies: 23
Views: 2523

Re: Guaranteed profit from forex trading

http://www.fenikfx.com It is very simple….we simply execute trades for you on your online forex account. With our top secret trading methods, we guarantee a 50% or more profits on your initial capital weekly. Why should I be happy with < 10% APY when I can get guaranteed 50% APY per week! It should...
by Cosmo
Mon Jun 23, 2014 7:37 pm
 
Forum: Investing - Theory, News & General
Topic: Guaranteed profit from forex trading
Replies: 14
Views: 1314

Re: Implications on using lump sum payout to payoff mortgage

Another post where people are making suggestions without even knowing what the interest rate is. OP, please furnish your interest rate on the mortgage. Do you itemize?

Cosmo
by Cosmo
Mon Jun 23, 2014 6:40 pm
 
Forum: Personal Finance (Not Investing)
Topic: Implications on using lump sum payout to payoff mortgage
Replies: 6
Views: 560

Re: Anyone regret paying off mortgage early?

My thoughts on occasions when paying off your mortgage early is a bad idea. Thse reasons are for people who still have many years prior to retirement. 1) If you are not maximizing your tax advantaged savings. You are missing out on a huge tax deduction especially if you are in a high tax bracket. 2...
by Cosmo
Sun Jun 22, 2014 10:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Anyone regret paying off mortgage early?
Replies: 185
Views: 24901

Re: Wind blew off shingles, now roof is leaking!

It appears the adjuster missed something. I would want them to revise the original claim. Two claims on your policy look worse than one. What did they miss? They made the determination there were missing shingles that needed to be replaced. Unfortunately, they do not appear that they were replaced ...
by Cosmo
Sun Jun 22, 2014 7:45 pm
 
Forum: Personal Consumer Issues
Topic: Wind blew off shingles, now roof is leaking!
Replies: 27
Views: 1445

Re: Riding a bicycle east from Cleveland

You should be aware that the Cleveland airport is located southwest of the city. This means that you will be riding through a large busy metropolitan area, before you get to anything rural. Within the city, all you have are busy streets and freeways. Neither would seem to be ideal for bike riding. ...
by Cosmo
Sat Jun 21, 2014 6:02 pm
 
Forum: Personal Consumer Issues
Topic: Riding a bicycle east from Cleveland
Replies: 26
Views: 1307

Re: The Death of Savings Bonds

What is the point of this poll? It would make more sense if it was how many dollars worth of savings bonds were purchased. I am pretty sure that most Bogleheads here have not purchased 1,000 (or more) savings bonds.
by Cosmo
Mon Jun 16, 2014 4:19 pm
 
Forum: Investing - Theory, News & General
Topic: The Death of Savings Bonds
Replies: 33
Views: 3467

Re: How can this be legal (employers over-riding employee 40

http://www.bloomberg.com/news/2014-06-11/they-just-re-invested-your-401-k-for-you-for-your-own-damn-good.html Basically, employers now feel like they can change your selections in your 401(k) "for your own good." Sure they notify you, and you can opt out, but still highly offensive. I am ...
by Cosmo
Sat Jun 14, 2014 2:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: How can this be legal (employers over-riding employee 401k)
Replies: 23
Views: 1764

Re: Apple looks interesting right now

I recently bought a $125 smart phone that has nearly all of the capabilities of an iPhone 4S. Obviously, there's a vastly larger market for $125 smart phones than for $500 ones. I'm sure that the smart people at Apple know this and that they knew about the cheap smart phone several years ago. It's ...
by Cosmo
Wed Jun 11, 2014 6:11 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2397

Re: Apple looks interesting right now

stemikger wrote:I never bought a single stock in my life, but I have to say Apple looks interesting right now. Does anyone else feel this way with the recent split.

It's the largest publicly traded company in the world. Where's the upside? Apple looked a lot more interesting oh around 12 years ago?
by Cosmo
Wed Jun 11, 2014 6:08 am
 
Forum: Investing - Theory, News & General
Topic: Apple looks interesting right now
Replies: 35
Views: 2397

Re: Any "Apps" you like?

Vanguard Investor Vanguard Advisor Mint My credit card app My bank app My insurance company app My pharmacy app Not particularly a finance app, but 1Password is wonderful. ... Fletch Yes! Exactly what Fletch said. Absolutely love mint btw. Great for monitoring transactions including credit card tra...
by Cosmo
Tue Jun 10, 2014 9:29 pm
 
Forum: Personal Consumer Issues
Topic: Any [iPhone] "Apps" you like?
Replies: 50
Views: 3975

Re: None of this software works

davebarnes wrote:on my iMac.
LOL


I have a iMac as well so I have nothing to worry about. Uh oh. Let the posts begin on how I DO have to worry about this because Macs are just as vulnerable, etc...

Cosmo
by Cosmo
Sat Jun 07, 2014 5:37 pm
 
Forum: Personal Consumer Issues
Topic: Is your computer protected?
Replies: 39
Views: 4313

Re: Favorite guitarist...

I stumbled across this old yet interesting thread. I love the legends, too - Hendrix, Clapton, Stevie Ray Vaughan. After reading through all the posts, I find it hard to believe that nobody (unless I missed it) has mentioned Joey Bonamassa. Any Bonamassa fans out there? He's younger than the rest, ...
by Cosmo
Sat Jun 07, 2014 4:32 pm
 
Forum: Personal Consumer Issues
Topic: Favorite guitarist...
Replies: 187
Views: 18895

Re: Interesting artcle on inflation and mortgages

I think the appreciation part factors in. I may look at this wrong though, so... Using numbers like the article gives... Someone agrees to buy a house for $200k. They pay the mortgage on schedule for the full term and pay $360k total. If the house isn't worth at least $360k at the time the mortgage...
by Cosmo
Sun Jun 01, 2014 1:01 pm
 
Forum: Investing - Theory, News & General
Topic: Interesting artcle on inflation and mortgages
Replies: 14
Views: 1244

Re: Printing with an iPad

Yes -- I have an airprint HP, WiFi compatible. I can print from a laptop just fine, and I can print from most other sites on the iPad with no problem. But there's something about the Bogleheads site that makes printing from the iPad impossible. I get an error message that says: "An error occur...
by Cosmo
Sun Jun 01, 2014 11:58 am
 
Forum: Forum Issues and Administration
Topic: Printing with an iPad
Replies: 6
Views: 756

Re: do 80/15/5 mortgages still exist?

Probably not what you or he wants to hear, but if he can only afford 5% down payment, he needs to be looking at renting. +1 -1. Arizona is a non-recourse state so your friend can consider it being leveraged up 20x with an implicit "put option" to walk away (at the cost of damaged credit r...
by Cosmo
Sun Jun 01, 2014 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: do 80/15/5 mortgages still exist?
Replies: 8
Views: 1344

Re: First Ironman Triathlon Next Year -Any Good Books

Thanks to everyone who took the time here to respond! The main takeaway here is that no book is really going to prepare me for this grueling event. "kcb203" your comment really hit home about it being almost impossible to be a good employee, parent (husband) and triathlete all at the same ...
by Cosmo
Wed May 21, 2014 8:29 pm
 
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 949

First Ironman Triathlon Next Year -Any Good Books

I recently signed up for the Texas Ironman's Triathlon in 2015. My goal is to complete the event within the time deadline -I have no desire to be competitive. I have completed a marathon, biked several century rides (my strong point) but have done limited swimming. This will be my very FIRST triathl...
by Cosmo
Mon May 19, 2014 9:46 am
 
Forum: Personal Consumer Issues
Topic: First Ironman Triathlon Next Year -Any Good Books
Replies: 16
Views: 949

Re: New homeowner: lawn care advice

I just love experiments, so thanks for reporting on your experiences in this thread. The Houston area had some substantial rain and warm temps last week, so all the lawns are in full-on growth mode. The fresh growth is easy to cut now, but as the season progresses, the stolons and creepers get stur...
by Cosmo
Thu May 15, 2014 7:05 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26210

Re: What to do with $300k at 25yrs old? Is franchising for m

Have you thought about investing in yourself? How about an MBA? How many jobs are there for MBAs that don't still require working fairly regularly to make a living? :twisted: jimb Always good to keep options open. While not working regularly seems like a good idea now, things have a way of changing...
by Cosmo
Sat May 10, 2014 3:14 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $300k at 25yrs old? Is franchising for me?
Replies: 21
Views: 2866

Re: What to do with $300k at 25yrs old? Is franchising for m

Have you thought about investing in yourself? How about an MBA?
by Cosmo
Sat May 10, 2014 1:54 pm
 
Forum: Investing - Help with Personal Investments
Topic: What to do with $300k at 25yrs old? Is franchising for me?
Replies: 21
Views: 2866

Re: Electric Bills going up Again - window A/C?

Our electric bill has been going up steadily - small ranch house, I was amazed this winter our bill was $85 last month. We have gas forced air. This was about $15 more than last year. We have a cape cod shake shingled ranch house in a Chicago suburb. Our bedroom is in the front of the house. I ment...
by Cosmo
Fri May 09, 2014 10:18 am
 
Forum: Personal Consumer Issues
Topic: Electric Bills going up Again - window A/C?
Replies: 33
Views: 2389

Re: Electric Bills going up Again - window A/C?

Our electric bill has been going up steadily - small ranch house, I was amazed this winter our bill was $85 last month. We have gas forced air. This was about $15 more than last year. We have a cape cod shake shingled ranch house in a Chicago suburb. Our bedroom is in the front of the house. I ment...
by Cosmo
Fri May 09, 2014 8:59 am
 
Forum: Personal Consumer Issues
Topic: Electric Bills going up Again - window A/C?
Replies: 33
Views: 2389

Re: Cars for tall people

The Mazda CX9 works for me. And it goes zoom zoom.
by Cosmo
Tue May 06, 2014 9:24 pm
 
Forum: Personal Consumer Issues
Topic: Cars for tall people
Replies: 35
Views: 2408

Re: How to sell lightly used phone

Won't you be conducting business on your phone? How about checking emails and composing replies? I would seriously reconsider getting rid of your phone. Keep your work life completely separated from your personal life. It may or may not be a high risk but keep in mind your phone could be discoverabl...
by Cosmo
Tue May 06, 2014 9:14 pm
 
Forum: Personal Consumer Issues
Topic: How to sell lightly used phone
Replies: 15
Views: 850

Re: Pay a higher mortgage to get house you want?

A relative has sold their house, which they felt was too small and not in the best area, and is looking at a bigger house. I provided my opinions/observations on a few listings. The response was thanks and the question "Would you be willing to pay a higher monthly mortgage to get the house you...
by Cosmo
Tue May 06, 2014 6:06 pm
 
Forum: Personal Consumer Issues
Topic: Pay a higher mortgage to get house you want?
Replies: 13
Views: 1991

Re: POLL - how often do you service your HVAC system?

No servicing is necessary. Just change the filters and keep the compressor outside free of grass and leaves.
by Cosmo
Mon Apr 28, 2014 8:56 pm
 
Forum: Personal Consumer Issues
Topic: POLL - how often do you service your HVAC system?
Replies: 22
Views: 4620

Re: How low are interest rates, really?

3 2 1......
by Cosmo
Sun Apr 27, 2014 4:51 pm
 
Forum: Investing - Theory, News & General
Topic: How low are interest rates, really?
Replies: 60
Views: 14919

Re: Why is the price so low for option? Is this real?

Maybe it's an option traded very infrequently... could it be that you're just looking at the last price that option traded for, but if you actually put in a bid it would not execute at that price... ? I'm guessing that JoMoney is right. The quoted price may be for the last trade, which may or may n...
by Cosmo
Wed Apr 23, 2014 7:52 am
 
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 21
Views: 1470

Re: Why is the price so low for option? Is this real?

Maybe it's an option traded very infrequently... could it be that you're just looking at the last price that option traded for, but if you actually put in a bid it would not execute at that price... ? I'm guessing that JoMoney is right. The quoted price may be for the last trade, which may or may n...
by Cosmo
Tue Apr 22, 2014 4:41 pm
 
Forum: Investing - Theory, News & General
Topic: Why is the price so low for option? Is this real?
Replies: 21
Views: 1470

Re: POLL: why carry cash?

In short, I feel that using credit cards almost exclusively gives me a much better feel for my spending than I would have if I had significant cash expenditures. I realize that I could be keeping receipts for cash transactions and tracking them too, but honestly I'm too lazy to do that. I use Quick...
by Cosmo
Tue Apr 22, 2014 4:28 pm
 
Forum: Personal Finance (Not Investing)
Topic: POLL: why carry cash?
Replies: 243
Views: 13406

Re: FORUM REACHES 2,000,000 POSTS TODAY

Hello Everyone: Our forum reached another milestone today when we hit our two millionth post. What a great resource this forum is, made possible by the contributions of tens of thousands of decent and helpful individuals. The sum is definitely greater than the parts. Congratulations to all of our c...
by Cosmo
Tue Apr 22, 2014 1:49 pm
 
Forum: Forum Issues and Administration
Topic: FORUM REACHES 2,000,000 POSTS TODAY
Replies: 54
Views: 9952

Re: Mel's Unloved Mid-Caps Finally Getting Some Respect

Looks like the investing world is finally realizing what I started saying back in 1999 about mid-caps. Because of my ongoing posts promoting mid-caps, they became known as "Mel's Unloved Mid-Caps". Better late than never! http://abcnews.go.com/Business/print?id=23366403 Happy Easter! I am...
by Cosmo
Mon Apr 21, 2014 5:47 pm
 
Forum: Investing - Theory, News & General
Topic: Mel's Unloved Mid-Caps Finally Getting Some Respect
Replies: 46
Views: 4405

Re: Quicken 2014 opinions wanted

Why don't more people use Mint.com? What else do you need? It keeps track of ALL of your accounts on a transaction level. It also alerts me when there are some unexpected bank fees imposed. But the best part about it by far is there is no need for any manual downloading whatsoever. Oh wait. No, the ...
by Cosmo
Fri Apr 18, 2014 12:44 pm
 
Forum: Personal Consumer Issues
Topic: Quicken 2014 opinions wanted
Replies: 47
Views: 2257

Re: Computer Speakers

Not sure if you want good bass as well but this 2.1 system is the best bang for the buck, in my opinion. And it gets good reviews as well. http://www.amazon.com/Logitech-980-000402-Speaker-System-Z623/dp/B003VAHYTG/ref=sr_1_7?s=electronics&ie=UTF8&qid=1397609573&sr=1-7&keywords=best+...
by Cosmo
Tue Apr 15, 2014 8:57 pm
 
Forum: Personal Consumer Issues
Topic: Computer Speakers
Replies: 13
Views: 981

Re: New homeowner: lawn care advice

The OP's St Augustine grass will simply laugh at an electric mower, so getting one will be a waste of money. A string trimmer is fine, but a blower? That's ridiculous. Get a broom. Even I use a broom. It's energy efficient. Infrequent watering is once a week. Twice a week is illegal in some water-r...
by Cosmo
Tue Apr 15, 2014 7:02 pm
 
Forum: Personal Consumer Issues
Topic: New homeowner: lawn care advice
Replies: 87
Views: 26210

Re: Stocks: How Bad It Can Get

So what action can I take on this information?
by Cosmo
Tue Apr 15, 2014 5:40 pm
 
Forum: Investing - Theory, News & General
Topic: Stocks: How Bad It Can Get
Replies: 72
Views: 5982

Re: Woodpeckers...I'm desperate!

Discussions of dishonest behavior or bypassing the law are totally unacceptable here. I'll leave the thread open to help the OP, but further discussions related to killing a bird are off-topic. Here's the law, direct from the U.S. Fish and Wildlife Service: Birds Protected By the Migratory Bird Tre...
by Cosmo
Sun Apr 13, 2014 10:23 am
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 4808

Re: Woodpeckers...I'm desperate!

John3754, I've been spending time on this forum for a little under a year. Your post was hands down the most depressing post I've read so far I know, and I'm sorry, I felt bad writing it but it's all true. We were desperate, the damage to the house and being woken up at the crack of dawn every day ...
by Cosmo
Sat Apr 12, 2014 8:38 pm
 
Forum: Personal Consumer Issues
Topic: Woodpeckers...I'm desperate!
Replies: 52
Views: 4808

Re: Irrigation system question

See all those small ball valves in the photo? There are 4 of them. Winterizing of this bit of kit is simply opening all those valves with a screwdriver and letting the water drain out (after closing off the upstream shutoff valves). Then open the downstream big valve. Leave all those valves open un...
by Cosmo
Sat Apr 12, 2014 8:30 pm
 
Forum: Personal Consumer Issues
Topic: Irrigation system question
Replies: 28
Views: 1458
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